The Cheapest Car Insurance in Illinois for 2022

Since car insurance companies offer varying rates, you can save up to $880 by comparing quotes from different carriers. MoneyGeek collected sample policies from the biggest providers in Illinois and found GEICO to have the most affordable average rates.

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Last Updated: 12/29/2021
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In Illinois, you can purchase the cheapest policy for the average driver from GEICO. Depending on your profile and needs, you may find more affordable car insurance from other carriers.

For instance, State Farm is an affordable option for drivers with serious violations on their records, whether it’s a DUI or an at-fault accident. If you have poor credit, you may find lower rates with Country Financial.

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Cheapest Minimum Liability Car Insurance in Illinois

The cheapest car insurance for Illinois drivers is a minimum liability only policy, which meets the state minimum requirements. It will give you protection against expenses related to the driver of another vehicle in case you get involved in an at-fault accident. However, it won’t cover damage to your car.

MoneyGeek evaluated car insurance companies in Illinois and found that the cheapest options for minimum coverage are:

  • GEICO: $366 per year
  • Mercury: $367 per year

Based on average rates, MetLife has the most expensive car insurance for minimum coverage at $852 per year.

Cheapest Minimum Car Insurance in Illinois
  • Company
    Annually
    Monthly
  • 1.
    $366
    $31
  • 2.
    $367
    $31
  • 3.
    $385
    $32
  • 4.
    $411
    $34
  • 5.
    $454
    $38

These prices are only estimates based on rates for an average Illinois driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Illinois

Illinois drivers who want protection against most road accidents and off-road incidents should consider getting a full coverage policy with higher liability limits and comprehensive and collision insurance. While this type of policy will cost more than minimum coverage insurance, it also covers the cost of damages to your car. Comparing personalized car insurance quotes from different insurers will help you find the best policy at the lowest price.

Based on average rates, the cheapest full coverage car insurance companies in Illinois are:

  • GEICO: $789 per year
  • Mercury: $860 per year

The most expensive car insurance company in Illinois for a similar policy is AAA, with an average rate of $1,669 per year.

Cheapest Full Coverage Car Insurance in Illinois

Car insurance premiums depend on individual needs and circumstances, so your rate will be different from these examples. These prices are for an insurance policy with comprehensive and collision coverage that allows you to claim up to $100,000 for bodily injury liability per person, $300,000 for bodily injury liability coverage per accident and $100,000 for property damage per accident.

How to Compare Cheap Illinois Car Insurance Quotes Online

Most car insurance companies in Illinois allow drivers to get accurate quotes using an online tool. To find the best car insurance, research policies with enough coverage for your needs.

  • Be consistent with how much coverage is included in the policy when comparing quotes. For example, if you get a quote for a policy with $50,000 in bodily liability coverage per accident from one insurer, use the same number when getting quotes from other carriers.
  • MoneyGeek’s car insurance calculator allows you to get an estimated cost of insurance in Illinois using your ZIP code. If you want a personalized quote, you need to provide more specific details. You can also use MoneyGeek’s price data to figure out which websites you will shop on.
  • GEICO, Mercury and Country Financial have the most affordable average rates in Illinois. You can begin your search by getting quotes from these companies.

Auto Insurance Calculator

State

Illinois

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

Mercury

$395

3.

USAA

$435

5.

GEICO

$471

Cheapest Car Insurance for Drivers With a DUI in Illinois

A serious driving violation, such as a DUI, will increase your car insurance rate in Illinois since you will be considered a riskier driver. On average, Illinois drivers with a DUI on their record pay around $2,181 per year. An average driver with a clean record pays an average of $1,134 per year.

The cheapest options for drivers with a DUI in Illinois are from:

  • State Farm: $1,035 per year
  • Progressive: $1,080 per year

Although GEICO and Mercury are the cheapest insurance carriers for drivers with a clean record, State Farm and Progressive are the most affordable options for those with a DUI.

Average Car Insurance Rates With a DUI

Getting a DUI can greatly affect your chances of getting affordable car insurance rates in the state of Illinois. According to the Centers for Disease Control and Prevention, 2.2% of drivers in Illinois have admitted driving after having too much to drink within the past 30 days. 3,148 people in Illinois died from 2009-2018 due to accidents caused by alcohol-impaired drivers. On average, 18 arrests per 100,000 people in Illinois are for driving while under the influence. The following table is an estimate of what people who have a DUI can expect to pay when they start looking for auto insurance in Illinois.

A DUI can impact auto insurance rates for as long as it stays on your criminal record. Drivers with repeated offenses can lose their license for ten years in Illinois. You can expect to pay higher rates which can increase your insurance premiums to well over $20,000. With a DUI, you will want to compare auto insurance quotes to find the best rate in Illinois based on your personal factors.

Cheapest Car Insurance in Illinois for Drivers With an At-Fault Accident

Compared to drivers with clean driving records, those with violations often pay higher premiums per year. For example, if you have an at-fault accident on your record, your average premium is $622 higher than a safe driver’s rate. You’ll need to pay $1,756 per year on average for car insurance.

If you have an at-fault accident on your driving record, the cheapest average companies in Illinois are:

  • State Farm: $1,121 per year
  • Country Financial: $1,130 per year

Meanwhile, AAA has the highest average rate for this profile at $2,783 annually.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Illinois

Illinois drivers with minor driving violations tend to have higher rates than those with clean records. A speeding ticket increases the average rate of comprehensive and collision insurance to $1,452 per year. That is higher than the average rate for drivers with clean records, which is $1,134 per year.

Illinois drivers can find the cheapest full coverage insurance after a ticket from:

  • GEICO: $960 per year
  • State Farm: $1,035 per year

While Mercury offers the second most affordable rates for a driver with a clean record and full coverage, State Farm has lower rates for drivers with speeding tickets on record.

Average Car Insurance Rates With a Ticket

According to the National Highway Traffic Safety Administration, there were 948 crashes in Illinois due to distracted driving in 2018. Handheld devices and texting are against the law and can cause you to get a ticket for distracted driving in Illinois, which can reduce your chances of getting cheap car insurance.

To get the best rates, know the posted speed limit and avoid speeding. Also, don’t use your phone or drive while distracted, which can include talking with passengers or eating and drinking. Expect a ticket to increase your insurance rates for the same amount of time it stays on your driving record.

Cheapest Car Insurance Companies in Illinois for Drivers With Bad Credit

Car insurance companies in Illinois tend to charge higher rates for drivers with poor credit scores. The average rate is $1,944 per year, which is $810 more than the annual average premium for a driver with good credit.

The cheapest car insurance companies drivers with poor credit and full coverage for Illinois are:

  • Country Financial: $1,182 per year
  • Mercury: $1,365 per year

Country Financial has lower rates for drivers with poor credit scores than GEICO, which is the cheapest option for the average driver with good credit.

Average Car Insurance Rates for Drivers With Bad Credit

Credit scores are used in Illinois to determine the financial ability to pay insurance premiums and the likelihood of making an insurance claim. According to Experian, the average credit score in Illinois is 709, which means most residents can likely qualify for affordable car insurance. An insurance company should tell you if they use a scoring model when you request your free car insurance quotes. Checking your credit for an insurance quote will not affect your score negatively. The following table provides estimates of what Illinois residents with bad credit can expect to pay for auto insurance in the state.

Scoring criteria that provides insurance rates is not the same as applying for a loan or mortgage and varies for each insurance company. Even if you think you have bad credit, you might still qualify for cheap insurance. Here are some tips on raising your credit score, which can help improve insurance rate quotes.

Cheapest Car Insurance in Illinois for Seniors

Usually, senior drivers in Illinois have higher premiums compared to young adults and middle-aged drivers. The average rate for senior drivers in Illinois is $1,183 per year. A 40-year-old average driver in Illinois typically pays $1,134 annually.

The cheapest options for senior drivers in Illinois with full coverage are:

  • GEICO: $782 per year
  • Country Financial: $866 per year

Mercury is the second cheapest car insurance company for a 40-year-old driver with full coverage, but Country Financial has lower rates for senior drivers with a similar policy.

Average Car Insurance Rates for Seniors

Seniors may notice their insurance premiums increase over time once they turn 65. In 2017, senior drivers accounted for 13.4% of fatal crashes in Illinois.

Elderly residents over the age of 65 can expect to take a Rules of the Road course and a written exam before renewing their driver’s license in Illinois. They will have to retake the driving test when they turn 75.

The above table provides estimates of what seniors in Illinois can expect to pay for auto insurance.

Seniors can have a slower reaction time behind the wheel but also tend to take more precautions than other age groups when driving. If you have a senior with a clean driving history and good credit, you can still qualify for cheap car insurance in Illinois.

Cheapest Car Insurance in Illinois for Young Drivers

Insurance carriers consider age when setting premiums. They charge younger drivers higher rates because they are riskier to insure.

Inexperienced drivers have more difficulty spotting driving hazards, resulting in more frequent collisions. A 25-year-old driver pays an average of $1,257 each year for Illinois car insurance. In comparison, a 16-year-old’s rate is more than double — a similar policy costs $3,382 annually on average.

Young drivers aged 16–25 can find cheap car insurance from GEICO. MoneyGeek’s study shows it offers the lowest rates for most ages in this range.

Annual Car Insurance In Illinois for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $3,382
    Progressive
    $2,354
  • 17
    $3,037
    GEICO
    $2,184
  • 18
    $2,806
    Progressive
    $1,927
  • 19
    $2,620
    GEICO
    $1,808
  • 20
    $2,320
    GEICO
    $1,590
  • 21
    $1,810
    GEICO
    $1,332
  • 22
    $1,678
    GEICO
    $1,207
  • 23
    $1,533
    GEICO
    $1,103
  • 24
    $1,438
    GEICO
    $1,029
  • 25
    $1,257
    GEICO
    $992

If you’re a parent of a teenager or a college student, you should expect to pay more for premiums to insure the riskiest age group of drivers compared to other age groups. However, there are discounts available that help drive these costs down. While your teen driver is just starting out, you can add them to your plan. This is a much more affordable option than getting them their own policy. You should shop around for the best car insurance for your teen and college-aged driver.

If your college student is more than 100 miles away at school and did not take a car with them, a discount may be available. Students with a “B” GPA or higher can also help reduce insurance premiums through good student discounts. Those savings can quickly evaporate since tickets for speeding and distracted driving can drive up costs. Young drivers should eliminate distractions and avoid speeding to maintain cheap and affordable car insurance in Illinois. The following table provides some estimates of what parents can expect to pay for their young driver’s auto insurance.

Insurance Rate Information for Military Drivers and Veterans

Many insurance companies in Illinois offer discounted auto insurance rates to active duty military and veterans. Armed Forces Insurance (AFI), founded in 1887, is one company that caters exclusively to veterans and military families. Essentially, AFI is owned by its policyholders.

By comparing quotes and shopping around, military families stationed in Illinois can save money and possibly enjoy additional discounts. With more than 20,500 active-duty military personnel living in the state, Illinois requires proof of policy before you can show up at the DMV to register your vehicle. The Illinois Department of Insurance operates a consumer services division with staff to answer questions about the state's auto insurance requirements.

The following table provides estimates of what military members and their families can expect to pay for auto insurance in Illinois.

Average Rates for Illinois service members

male
25 years$1,435
50 years$1,090
female
25 years$1,274
50 years$1,092

Car Insurance in Illinois: What You Need to Know

If you register and drive a car in Illinois, you must acquire insurance. The good news: that 1968 Mustang you've been working on for years in the garage does not need insurance as long as it remains inoperable. However, you may want to consider comprehensive-only coverage for theft and weather protection.

Proof of Insurance in Illinois

Proof of insurance in Illinois can either be printed on a card or stored on an electronic device, such as a smartphone. The information on the card — vehicle year, make, model and identification number — should match the car you're driving. Your card should also contain the insurance company name, the policy number and the dates the policy is valid for. In addition, the card should include the name of the insured driver, which should match the name on your driver's license.

You'll need proof of insurance when:

  • You're pulled over for a traffic offense
  • You've been in an accident
  • You reply to the Illinois insurance questionnaire
  • You register your vehicle or renew the registration

Minimum Liability Insurance Requirements in Illinois

Before 2015, Illinois used to require less insurance than most other states. But the state has since raised the minimum levels to typical coverage levels:

  • $25,000 liability coverage per person
  • $50,000 liability coverage per accident
  • $20,000 property damage coverage
  • $20,000 uninsured motorist coverage per person
  • $40,000 uninsured motorist coverage per accident

Uninsured motorist insurance will cover you if your car is struck in a hit-and-run accident or by someone with no liability insurance. If you buy more than the minimum required for uninsured motorist insurance, you'll also need to get underinsured motorist insurance. This way, if an underinsured driver is at fault, your policy will pay the difference between that driver's liability insurance and the amount of uninsured motorist coverage you purchased.

Alternatives to Insurance in Illinois

Unless you own a fleet of more than 25 vehicles, Illinois doesn't offer any insurance alternatives. However, if you have 26 vehicles or more, you can choose to self-insure them.

High-Risk Auto Insurance Program in Illinois

"Problem drivers" with a history of accidents or severe driving violations may have to carry financial responsibility insurance (SR-22). This requires a driver to put down a deposit or file a bond worth $70,000 to prove that they will be able to cover any future accidents.

How Much Coverage Do You Need in Illinois?

The cheapest car insurance available may not be an option for you. The minimum level of liability insurance doesn't cover your own vehicle or potential injuries. Your personal needs and finances should guide your decision, but insurance experts generally recommend buying $100,000/$300,000 of liability coverage for full protection.

You may benefit from other types of insurance as well. Illinois is bordered by the Mississippi River and is thus at risk of flooding. Comprehensive coverage can help owners repair or replace cars damaged by floods and other natural disasters, while collision insurance protects cars damaged by other vehicles.

Cheapest Car Insurance in Illinois by City

The cost of car insurance in Illinois varies depending on where you live. Among Illinois’ cities, Chicago has the most expensive rates. Drivers who live there pay an average of $1,134 each year for full coverage car insurance. By contrast, drivers in Peoria have the lowest average annual premium of $791.

Click on the city if you want to find out more information about car insurance in that area.

Average Insurance Rate by City in Illinois

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FAQs About Car Insurance in Illinois

The most common questions that Illinois drivers ask about car insurance center around the cost and coverage level.

Expert Advice on Finding Cheap Car Insurance in Illinois

To help you find trustworthy and accurate details on car insurance in Illinois, MoneyGeek gathered expert advice from established professionals. The perspectives and sentiments conveyed are those of the individual contributor.

  1. What are the key factors drivers in Illinois should look for when searching for reliable and affordable coverage?
  2. How do regulations and rules in Illinois impact insurance pricing and how consumers might shop for coverage?
  3. What natural or environmental factors should drivers in Illinois consider when shopping for the best car insurance coverage?
  4. What steps can drivers in Illinois take to find affordable car insurance?
Jim Snooks
Jim Snooks

Associate Professor of Business at Moraine Valley Community College

Jie Ying
Jie Ying

Assistant Professor of Finance at Southern Illinois University Edwardsville

Amit Sinha
Amit Sinha

Professor of Finance and Quantitative Methods at Bradley University

Scott W. Hegerty
Scott W. Hegerty

Associate Professor of Economics at Northeastern Illinois University

Christopher J. Marquette
Christopher J. Marquette

Assistant Professor of Finance at Millikin University

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About the Author


expert-profile

Mandy Sleight is a professional freelance writer and licensed insurance agent. She has her property, casualty, life, and health licenses and has been working in the industry since 2005. Mandy has worked for well-known insurance companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a start-up employee benefits company.

Mandy earned her Bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master in Business Administration from Southern New Hampshire University. She uses her vast knowledge of the insurance industry and personal finance combined with her writing background to create easy-to-understand and engaging content to help readers make smarter choices with their budget and finances.


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